A method is disclosed. The method includes receiving, from a user computer that is a party to a transaction, information that can be used to identify a transaction between the user computer and a resource provider computer. The method further includes determining one or more attributes. The method additionally includes presenting a first question based on the one or more attributes. The method also includes receiving a response to the first question, presenting a second question based on the received response, and receiving a response to the second question. The method further includes storing the received responses in a data storage element, wherein the data storage element is accessible by an authorizing entity computer.
Legal claims defining the scope of protection, as filed with the USPTO.
2. The method of claim 1, wherein the data storage element is accessible by the authorizing entity computer via an online resolution analysis system.
3. The method of claim 1, wherein the credentials used in connection with the individual completed transaction based on the device identifier of the user computer are received via an application associated with the resource provider executing on the user computer.
4. The method of claim 1, wherein the one or more attributes associated with the selected completed transaction and the one or more attributes associated with the resource provider are determined automatically by the server computer based only on the device identifier associated with the user computer.
5. The method of claim 1, wherein the first question and the second question are part of an interview script that is automatically created using the machine learning algorithm, the machine learning algorithm including a neural network or a K-means algorithm.
6. The method of claim 1, wherein the first question and the second question are part of an interview script that is automatically created using data from a processing network that operates as a switch.
7. The method of claim 1, further comprising providing, by the server computer and to the user computer, one or more options for answering the first and second questions.
8. The method of claim 7, wherein the one or more options are based at least in part on the first response, the second response, the one or more attributes associated with the selected completed transaction, or the one or more attributes associated with the resource provider.
9. The method of claim 7, wherein the one or more options are based at least in part on the ruleset applied to the selected completed transaction.
10. The method of claim 1, wherein the one or more attributes associated with the resource provider includes prior transaction history of the resource provider.
12. The server computer of claim 11, wherein the data storage element is accessible by the authorizing entity computer via an online resolution analysis system.
13. The server computer of claim 11, wherein the credentials used in connection with the individual completed transaction based on the device identifier of the user computer are received via an application associated with the resource provider executing on the user computer.
14. The server computer of claim 11, wherein the one or more attributes associated with the selected completed transaction and the one or more attributes associated with the resource provider are determined automatically by the server computer based only on the device identifier associated with the user computer.
15. The server computer of claim 11, wherein the first question and the second question are part of an interview script that is automatically created using the machine learning algorithm, the machine learning algorithm including a neural network or a K-means algorithm.
16. The server computer of claim 11, wherein the first question and the second question are part of an interview script that is automatically created using data from a processing network that operates as a switch.
17. The server computer of claim 11, wherein the method further comprises providing, by the server computer and to the user computer, one or more options for answering the first and second questions.
18. The server computer of claim 17, wherein the one or more options are based at least in part on the first response, the second response, the one or more attributes associated with the selected completed transaction, or the one or more attributes associated with the resource provider.
19. The server computer of claim 17, wherein the one or more options are based at least in part on the ruleset applied to the selected completed transaction.
Cooperative Patent Classification codes for this invention. Click any code to explore related patents in that topic.
September 27, 2017
December 27, 2022
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